Most banks in Beijing set the first mortgage rate to 85 percent

In the real estate regulation of the environment, not only two suites, three suites mortgage tightening, the first suite of mortgage concessions are quietly "shrinking." Yesterday morning, reporters from the capital of several banks confirmed that the current majority of banks have canceled the first set of home purchase loan interest rate of 70 percent discount. These days, banks have been receiving documents from the headquarters.　　Whether it is the first purchase, or buy two suites, the new policy requires: to increase the down payment ratio, reduce mortgage rate concessions, a number of banks will be the gloves mortgage rate adjusted to 85 percent. It is understood that at present, the bank on the mortgage payment ratio of similar requirements. In the first set of mortgage rates, the capital to open a mortgage business of more than 20 banks, most have canceled 70 percent preferential rates. Some banks, however, can offer a 75 percent discount on credit-good customers, such as Citigroup.　　But for ordinary customers, 70 percent of mortgages have been basically "extinct." The head of the bank's mortgage department, who declined to be named, told reporters that 70 percent interest rates were basically unprofitable for banks. The bank's tightening and macro-control policies have nothing to do but raise profits.　　In addition to cancelling the 70 percent discount on mortgage rates, some banks have recently prioritized higher-yielding loans, such as operating loans and consumer loans, because they can float interest rates. Wei Jia, said the relevant head of the current, the two sets of mortgage interest rates up to 1.1 times times the benchmark interest rate, three suites to stop lending, in such "environmental pressure", the first suite can still have 85 percent discount, home buyers psychologically still can accept. The person in charge believes that the real estate market adjustment has gradually stabilized, the mortgage interest rate should be adjusted higher this expectation, but will stimulate those who are now watching, there is a potential demand for housing groups to seize the "shot", so that the demand for home purchase early release. After a period of downturn in the mortgage market, the near future is expected to "hit bottom rebound." According to the "Legal Evening News"